Research On Credit Risk Rating Of QN Bank's Small And Micro Enterprise Loan

The era of the new economy has come,small and micro enterprises have made greater contributions to the national economy and become a new force for economic development.The small micro enterprise assets on a smaller scale,continuous operation time is shorter,operation and management level is not high,financial information opaque were some objective factors,risk defense,due to the reasons,banks are still very cautious about the credit business of them.Small micro enterprise loans also points out some problems such as management cost is high,risk,This further leads to the unwillingness of commercial banks to extend loans to small and micro enterprises.In recent years,the state has introduced a number of measures to encourage state-owned commercial banks to increase their support for the loan business of small and micro enterprises.The loan balance of various banking financial institutions to small and micro enterprises has also increased steadily,and the loan proportion has gradually increased.However,due to the economic scale restrictions of small and micro enterprises,the problem of financing difficulties has not been effectively improved.As a state-owned local bank,QN Bank has always adhered to the business philosophy of "serving agriculture,rural areas and farmers" and "serving urban and rural areas" since its establishment.It has actively implemented the policy of "inclusive finance",refined the system of credit renewal and credit exemption for small and micro enterprises,and promoted a variety of financial service models of "banking administration","bank-enterprise" and "bank-tax".It has developed a variety of financial products,such as "Science and Technology Loan","Qin Zhai Loan","Working Capital Loan","Small Guaranteed Loan for labor-intensive enterprises",which are all deveioped for small and micro enterprises and has achieved a good development trend.However,in general,most small and micro business loans fail to pass in the rating stage,leading to a low success rate of loans,mainly due to difficulties in rating,approval and credit granting.If commercial banks want to reduce the risk of account repayment in the cooperative business to reduce their own non-performing loans and effectively achieve profits,they need to formulate an efficient loan credit risk rating system for small and micro enterprises and make use of the advantages of this system.Therefore,Its role is crucialstudy how to effectively construct credit risk rating system for small and micro business loans and commercial banks,especially QN Bank.Through in-depth study of previous literature,this paper summarized and concluded the index system and methods of credit rating evaluation of small and micro enterprises at home and abroad,and notes that previous studies paid insufficient attention to evaluation the credit risk status of small and micro enterprises.Therefore,this study takes 50 small enterprises in QN banking cooperation as research cases,using loan,financial and other data to construct an evaluation index system to carry out an empirical study on credit risk evaluation of small and micro enterprises.By establishing the causal relationship between the historical default data of small and micro enterprises with loans and the selected single index and index combination,the default identification ability of the single index and the index system as a whole is ensured.Through the standardization of the index data and the design of the combination weighting method,which can not only maintain the objectivity of information but also retain the expert knowledge,the credit risk evaluation model of small and micro enterprises is established.With the goal of maximizing the default discrimination ability,the weight of all indicators is determined,and finally the credit score of sample small and micro enterprises is calculated.The credit status of customers can be determined by the credit evaluation score of customers.The higher the credit evaluation score of customers with good credit,the lower the credit evaluation score of customers with poor credit.By expanding the sample method,the overall distribution of the credit score of the evaluation object is obtained,and the credit rating is divided according to the credit score,and a complete scheme for credit rating of small and micro enterprises is given,which realizes the research significance of credit rating of small and micro enterprises in this paper.